Visa Virtual Card BIN 449636 - United Arab Emirates (Debit)
209 of 292 attempts cleared, and most of those came from three merchants: Perplexity AI, Epic Games Store, OpenAI.
Range check: 449636, Visa, United Arab Emirates, Debit, issuer Based Card. Below is the cost breakdown and the merchants where it held up.
What the six digits say
- BIN
- 449636
- Card network
- Visa
- Issuing country
- United Arab Emirates
- Card type
- Debit
- Issued by
- Based Card
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Self-custody
- Funding methods
- Crypto
- Max cards per account
- Not published
- Issuer risk rating
- Medium
The fee stack
The money side is simple: an undisclosed issuance fee, no top-up fee, and a 2.5% conversion fee on anything billed outside USD. Cost is the reason this range sits where it does in our ranking rather than higher up.
| Card creation fee | — |
|---|---|
| Monthly fee | None (inactive 6mo → $5/mo maintenance) |
| Top-up fee | 0% (no top-up fee for USDT/USDC) |
| FX / conversion fee | 2.5% (Orange) / 1.5% (HYPE) / 0% (Gold) |
| Declined transaction fee | — |
| Minimum top-up | — |
What passed and what did not
Merchant by merchant, in the order we charged them. The rates below count renewals as well as first charges.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Perplexity AI | 93 | 84 | 90% | cleared first time; a second charge a week later also went through |
| Epic Games Store | 75 | 65 | 87% | no friction, and no AVS prompt |
| OpenAI | 58 | 49 | 84% | went through on a fresh card with the issuer's default address |
| Sephora US | 37 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| Best Buy | 29 | 11 | 38% | Soft decline on the retry after an earlier failure on the same account. |
Run from a United Arab Emirates-region account between 27 May to 12 Aug 2026, with the billing address set to the issuer default unless noted. Declines were logged with the reason the gateway returned.
Failures we could not fix
Two merchants gave us trouble, Sephora US and Best Buy. In both cases the decline came back as an issuer block rather than an address problem, which is not something you can fix from your side.
What to change before you retry
- Sephora US: 0 of 37 cleared. US and EU stores bill through different acquirers. Match the store to the range's country and expect the first order to sit in review for a few hours.
- Best Buy: 11 of 29 cleared. High-value orders land in manual review. Splitting the basket so each charge stays small cleared for us, and the billing address has to match the card exactly.
Do these first
- Set the billing address to exactly what Based Card generates for United Arab Emirates. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
- This is an anonymous-account product. There is no meaningful account recovery, so export the card details and the billing address the moment you create them.
- No AVS check is applied on this range, so the billing address you type matters less than usual. It still has to be consistent between the first charge and the renewal.
Where we land
Worth having as a backup rather than a primary. When a merchant blocks the popular ranges, 449636 is usually still open. Nothing here makes it the best option, and nothing makes it a bad one.
Questions we get about 449636
What does the 449636 BIN tell a merchant?
In practice the checkout reads Based Card / United Arab Emirates / Debit and decides. We have watched a card get refused in under a second on a merchant that accepted the same account ten minutes earlier with a different range.
Is 449636 a real card number?
No, and this trips people up. 449636 is a range identifier shared across every card Based Card issues in United Arab Emirates. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 449636 be declined if the range is fine?
Changing one variable at a time is the only way to diagnose this. Address first, then card, then the connection country. We have seen people change all three and learn nothing.
Can thousands of people share the same BIN?
Yes, and it is worth internalising. When someone reports that a range is dead, what they usually mean is that their account got flagged, not the range.
Test setup
We bought a Based Card card, funded it, and pushed 292 charges through live merchant checkout pages between 27 May to 12 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 209 cleared.
Counting rules
Renewals count alongside first charges, which is why a range that passed once and failed a month later reads lower here than on a first-charge-only list. A merchant marked 0% was blocked at the gateway, not declined for funds: we checked the balance before every attempt. Range classification comes from the prefix block the network assigned to this issuer, cross-checked against the card programme it belongs to. Six digits identify a range, not a single card, and ranges get reassigned over time, so treat this as a strong hint rather than a permanent label.
Log through 13 Sep 2026 14:40 UTC · rate last re-checked 20 August 2026 · 292 charges on record for this range.